Abstract: The architecture of the present invention includes a multi-media multi-network communication server connected to a variety of access and delivery platforms via a variety of communication networks. Access to services is controlled and billed by a virtual prepaid card and account that can be converted into a physical prepaid card that is delivered to the user via a physical delivery network such as the Postal Service or a point of sale. The access platforms are used by senders, recipients or agents to access their digital mailboxes on a multi-network communication server and to send and receive calls and messages. The messages can be in electronic format such as text, audio, graphic images, video, and audio-video. The calls can be packet switched or circuit switched. The multi-network communication may send a notification message to the recipient, indicating that a message has been received. The message can be accessed remotely or wireless.